May 2008
Credit Score - for Scoring the Right Loan
Tip! Try to keep your credit balances as low as possible. You can also ask the lender to increase your credit limit which can increase your credit score.
Somebody once said, “There is always a way of knowing your limitations and going beyond it.&...
Repairing Your Credit Score and Clearing Derogatory Marks on Your Credit Report
Tip! Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free credit report from a credit-reporting agency per year. Residents of Georgia are entitled to two free credit reports.
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Raising your ...
Boost Your Credit Score
Tip! Pay off debts to improve credit scores.
Boost your credit score by collecting all your bills and financial papers and giving them a spring cleaning, regardless of the time of year. Everyone wants a perfect credit score of 850 or to increase their ...
April 2008
Bankruptcy Reform: Designed to Protect Big Business
Tip! The first step in learning how to file for bankruptcy is to make a comprehensive list of all of your creditors and outstanding debts. When you are working to determine how to file for bankruptcy, you need to appreciate that if you to proceed with...
Why Your Credit Score Matters
Tip! Pay off debts to improve credit scores.
Among the many innovations that emerged after World War II, credit use has become a major factor in our entire economic profile. As a result, your credit rating is the most important factor in determining yo...
Is a Student Credit Card Actually a Credit Trap?
Tip! You can affect your credit rating before you apply for a credit card in order to qualify for a lower APR. If you suspect that your credit rating is in the middle ranges because you’ve missed a few payments here and there, or been late once ...
Repair Discrepancies in Your Credit History
The Attorney’s Guide To Credit Repair.
Still getting those harassing calls from the creditors? If you have to pay large amounts to the creditors every month then it’s the right time for you to come out of this vicious circle and avail a DE...
Has the Time Come for Debt Consolidation Counseling?
Tip! Go with a company that has a good reputation. Don’t assume that every non-profit company is necessarily going to look out for your interests more than a for profit debt consolidation company.
Debt consolidation may take many forms. There are...
Bad Credit Debt Consolidation Loans - Save Money and Reduce Debt
Tip! Some companies will also charge exceptionally high debt consolidation fees to people who have high interest loans. Sometimes these fees can be extremely close to, or at the state maximum for mortgage fees.
Debt consolidation loans can save you mon...
Credit Card Charges Set to Fall
Tip! Ditto for any email you receive asking you to ‘verify’ details for your credit card info by clicking on a link in the email to take you to a verification page. If it’s a company with which you do business - PayPal for instance - ...
Reward Credit Card Can Measure Up Well
Tip! Payment mode. This could be another factor influencing your choice of credit card.
Taking family trips, going shopping, and dining out is all a part of life. The idea of credit education is to help consumers understand the importance of credit car...
Free Annual Credit Report
Tip! Don’t attempt to create a separate credit identity to get around your flawed credit report.
Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information o...
Why You Should Get a Credit Report before Applying for a Credit Card
Tip! Online resources: There is stiff competition online among various credit card companies to encourage people to apply for credit cards. Many a times you will find some companies even risking their necks to offer you a credit card, even though your...
March 2008
The Five Most Popular Questions About Bankruptcy
Tip! Make three copies of the section of papers that list all of the creditors and collection agencies that were included in the bankruptcy - usually this is called the Schedule F.
WILL MY CREDITORS STOP HARASSING ME?
Yes, they will! By law, all action...
Online Credit Report and Online Credit Reports
Tip! Write to the credit reporting company about the incorrect and inaccurate information.
Online credit reports are easily accessible to those interested in viewing them. If you have wondered about what kind of credit score you have, you can go on ...
10 Warning Signals that Your Credit Card Use Is Crashing
Tip! Your credit card application can affect your credit rating.
Besides lowering your credit score significantly, the following credit card warning signals could mean that you are headed for financial distress.
You charge more this month than you di...
What is on Your Credit Report?
Tip! Many credit card companies will decide whether or not to issue you a credit card with a high limit based on your credit report. If in doubt they may not issue a card at all or issue a card with a very low limit or risk.
Your credit report is a ver...
What is a Credit Report
Tip! Check Your Credit Report. Make sure you know what your credit is like.
This article is a concise, informative tell-all explaining what exactly a credit report is, and what that means to you. It will NOT inform you where to get a cheap, or free, c...
Begin The Debt Consolidation Process Today
Tip! If Step 7 is negative or very small, your problem is that you don’t have enough money to live on with your current debt. Debt consolidation may help you, but you need to follow a strict budget that will result in the elimination all of your ...
Bankruptcy - Is It The Right Choice For You?
Tip! It’s not difficult to file for bankruptcy. It really isn’t.
Bankruptcy is one of the tougher choices we as adults face in today’s society where it is the norm to be in debt, albeit some more so than others. Credit card offers ma...
Debt Consolidation Can Solve Your Debt Problems
Tip! Go with a company that has a good reputation. Don’t assume that every non-profit company is necessarily going to look out for your interests more than a for profit debt consolidation company.
The problem of acute indebtedness begins with a s...
How Credit Card Issuers Use the Prime Rate
Tip! Cashback credit cards give you a percentage of your cash back each time you use them. Some cashback credit cards offer a higher percentage when you use them at the shops of ‘member merchants’, but the card can still be used at any shop...
Free Credit Card Bonuses Are Pricey if You Fail to Pay Your Bill
Tip! Average daily balance — This is the method by which most credit cards calculate your payment due. An average daily balance is determined by adding each day’s balance and then dividing that total by the number of days in a billing cycle...
Debt Consolidation and How to Overcome It
Tip! Some companies will also charge exceptionally high debt consolidation fees to people who have high interest loans. Sometimes these fees can be extremely close to, or at the state maximum for mortgage fees.
Debt is one of the major worry for many p...
Debt Consolidation Loans for Unemployed - Preparing for an End to Debts
Tip! If Step 7 is negative or very small, your problem is that you don’t have enough money to live on with your current debt. Debt consolidation may help you, but you need to follow a strict budget that will result in the elimination all of your ...
